Call reports 2010
INDEPENDENT BANK DBA INDEPENDENT FINANCIAL — 2010
What INDEPENDENT BANK DBA INDEPENDENT FINANCIAL reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 907,738,000 | 913,993,000 | 1,072,492,000 | 1,098,393,000 |
| Total loans | 728,969,000 | 749,990,000 | 850,124,000 | 860,128,000 |
| Allowance for loan losses | 6,374,000 | 6,902,000 | 8,052,000 | 8,403,000 |
| Securities available for sale | 51,699,000 | 50,978,000 | 55,587,000 | 52,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 754,871,000 | 759,625,000 | 898,932,000 | 930,907,000 |
| Interest-bearing deposits | 645,523,000 | 646,988,000 | 760,789,000 | 794,289,000 |
| Noninterest-bearing deposits | 109,348,000 | 112,637,000 | 138,143,000 | 136,618,000 |
| Equity capital | 93,735,000 | 94,645,000 | 107,575,000 | 108,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 12,101,000 | 24,509,000 | 37,576,000 | 51,735,000 |
| Interest expense | 2,989,000 | 5,925,000 | 8,904,000 | 12,204,000 |
| Net interest income | 9,112,000 | 18,584,000 | 28,672,000 | 39,531,000 |
| Noninterest income | 801,000 | 1,595,000 | 9,515,000 | 11,300,000 |
| Noninterest expense | 6,963,000 | 14,005,000 | 21,733,000 | 30,400,000 |
| Provision for loan losses | 1,059,000 | 2,141,000 | 3,613,000 | 4,043,000 |
| Pretax income | 1,891,000 | 4,033,000 | 12,841,000 | 16,388,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,891,000 | 4,033,000 | 12,841,000 | 16,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,454,000 | 79,981,000 | 91,340,000 | 92,800,000 |
| Total capital | 85,828,000 | 86,883,000 | 99,392,000 | 101,203,000 |
| Risk-weighted assets | 707,605,000 | 722,945,000 | 839,152,000 | 842,566,000 |
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